Frequently Asked Questions

What is ARS?
We are a collection agency that collects outstanding past due medical bills.

How come when you left a message on my home answering machine you did not say what it was about?
In order to protect your privacy, and adhere to the law, we are prohibited from revealing the nature of our call to anyone other than the individual(s) responsible for payment, or to whom you have authorized to speak with us.

Why should I send payment to ARS and not to the hospital or doctor?
Sending your payment directly to our office ensures the quickest and most accurate posting to your account. Payments sent to the hospital or doctor have to be reported to ARS and this can create a delay in crediting your account.

As long as I pay something each month I am meeting my obligation, isn't that true?
No this is not true, as a courtesy or if required by contract the provider will bill your insurance carrier or other third-party payer. This does not relieve you of your responsibility for payment of non-covered charges. However, if there is a financial hardship we will work with you to arrive at a mutually acceptable re-payment plan.

Why do I have to divulge personal financial information to be eligible for a re-payment plan?
The medical service provider (hospital or doctor) has the right to demand full payment upon completion of services. In order to justify the waiver of immediate payment, we obtain financial information that helps us accurately assess your ability to honor the obligation and create a payment plan that fits your budget.

My Insurance company denied my claim as not medically necessary. This was an emergency,
why wouldn't they pay my claim?
Some patients go to the emergency room for conditions that do not fit the emergency criteria. You may need to appeal the denial by sending a letter to your insurance carrier that explains the detail of your emergency visit and request a re-consideration.

If my insurance company has not paid my claim, why do I have to get involved?
Claims are diligently processed and submitted by the provider on your behalf. Many Insurance companies are behind in processing claims . Your Involvement in following-up with the carrier is very helpful in getting your claim paid correctly and quickly. In addition, you may be able to supply non-medical information about your treatment that will permit the carrier to move forward on processing your claim.